Call reports 2015
FARMERS EXCHANGE BANK — 2015
What FARMERS EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 55,935,000 | 57,611,000 | 57,424,000 | 55,764,000 |
| Total loans | 29,227,000 | 28,731,000 | 28,526,000 | 28,990,000 |
| Allowance for loan losses | 427,000 | 423,000 | 422,000 | 418,000 |
| Securities available for sale | 16,567,000 | 16,292,000 | 16,381,000 | 15,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,281,000 | 49,996,000 | 49,053,000 | 49,986,000 |
| Interest-bearing deposits | 37,585,000 | 37,926,000 | 38,080,000 | 38,025,000 |
| Noninterest-bearing deposits | 10,696,000 | 12,071,000 | 10,973,000 | 11,961,000 |
| Equity capital | 7,426,000 | 7,379,000 | 8,018,000 | 5,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,152,000 | 1,676,000 | 167,000 |
| Interest expense | 32,000 | 63,000 | 94,000 | 9,000 |
| Net interest income | 521,000 | 1,089,000 | 1,582,000 | 158,000 |
| Noninterest income | 72,000 | 149,000 | 766,000 | 1,054,000 |
| Noninterest expense | 280,000 | 720,000 | 1,004,000 | 189,000 |
| Provision for loan losses | 9,000 | 57,000 | 105,000 | 436,000 |
| Pretax income | 304,000 | 462,000 | 1,239,000 | 587,000 |
| Income tax | 72,000 | 87,000 | 311,000 | 225,000 |
| Net income | 232,000 | 375,000 | 928,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,703,000 | 5,774,000 | 6,426,000 | 5,022,000 |
| Total capital | 6,050,000 | 6,164,000 | 6,812,000 | 5,388,000 |
| Risk-weighted assets | 27,704,000 | 31,189,000 | 30,780,000 | 29,219,000 |